Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$302,325Cash toward the purchase price.
Closing costs + prepaids$14,060Not just lender fees.
Before credits & paid funds$316,385The complete starting cash picture.
Estimated remaining funds due at closing
$316,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,325.19
Your down payment$302,325.19
Closing costs + prepaids$14,059.79
Total buyer cash needed$316,384.98
Remaining funds due$316,384.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,133.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.25
Initial HOA (3 months)$1,499.01
Prepaid interest, first (1 days)$14.16
Fees + prepaids$14,059.79
Your down payment is the seller’s equity. You take over the $226,675 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $316,384.98 is due at closing. Uses and sources reconcile at $543,059.79 each. Not a Closing Disclosure.